Thank you BobbyGentry and that looks like the kind of thing that would suit her however there are charges of nearly 2400 per annum before council tax. She wouldn't be able to afford charges like that I'm afraid.

If she can't afford £200 a month on charges when she has no rent to pay, is she really in a position to be a home owner? What about things like repairs?

Your offer is very generous but I wonder if it might be better spent on an investment property outside London, which you or she could rent out to generate some income, whilst she continues to live in a flat share for now?

Goodness I just had a quick look round where I used to live in Feltham and prices seem to have gone nuts since I left. Hampton and Whitton might be unaffordable now.

Feltham itself isn't lovely, but I lived there as a single person working in central London and walked home on my own, etc. It's about 35m from Waterloo by train, similar distance to Kingston by bus, near Richmond and Twickenham for nice places to go.

She's going to be working in the centre of London Hobbes8. When she lived in Norbiton she took the train in to Waterloo.

Tribpot - I didn't say she didn't have rent to pay. There is a mortgage on the property. She will also have council tax and transport charges. It's so difficult for young people starting out and we're just trying to help. Not interested in "investment property" as that is one of the issues that has made home ownership such a big problem.

I would second buying out with London as an investment. She will either be hours of commute away from her work colleagues or in a dodgy area, or both otherwise. Unfortunately 200 k won't really get anything in zones 1 or 2. Brixton is an amazing area for 20 somethings, I would be looking for a nice rental round there, about 300 to 350 per week for a 1 bed, supplemented by income from rent, would be a much better lifestyle for her.

Is she actually renting it from you, OP? Or is she paying the mortgage? If renting, those ground charges are your expense rather than hers. I'm assuming she would be paying the mortgage (leaving the question of who bears the cost of repairs etc). Is she prepared to live outside London and have a long-ish commute in? The commuter belt for London has pushed a very long way out now.